Corona Kavach Family Floater

Corona Kavach - Family Health Insurance Plan for Covid-19
A health insurance plan designed to safeguard
you and your family from COVID-19.

Cover Available : Up to Rs. 5 lakhs
Tenure : 3.5 months, 6.5 months, 9.5 months
Home Care Treatment : Up to Sum Insured
Pre Existing Diseases : Covers Comorbidities arising from COVID-19

Family Combination Applicable : Up to 2 Adults & 4 Children
Cover starts from : Rs 50,000 - Rs 5 lakhs
Premium starts from : Rs 1,039

No Room Rent Cap
Covered up to single private room

Digital First Policy
You will only receive a digital copy of this policy.

Pre & Post Hospitalization
We cover expenses 15 days before hospitalization and 30 days post-discharge

Hospitalization Expenses
Covered up to sum insured expenses for COVID-19 hospitalization

Alternative Treatment
Treatments under Ayurveda, Unani, Siddha, Yoga and Homeopathy covered

Home Care Treatment Expenses
Treatment at home for Covid-19 covered on positive Covid-19 diagnosis

Hospitalization
IN-PATIENT CARE (HOSPITALISATION)
Get coverage for medical treatment post hospitalization for all insured members

PRE & POST HOSPITALISATION MEDICAL EXPENSES
The policy will cover pre and post hospitalization expenses as well. The period of the treatment covered is 15 days before you get admitted to the hospital and 30 days after you get discharged from the hospital.
Home Care Treatment means treatment availed by the Insured Person at home for COVID on a positive diagnosis of COVID in a Government-authorized diagnostic Centre, which in normal course would require care and treatment at a hospital but is actually taken at home provided that:
1. The Medical practitioner advises the Insured person to undergo treatment at home.

2. There is a continuous active line of treatment with monitoring of the health status by a medical practitioner for each day through the duration of the home care treatment.

3. Daily monitoring chart including records of treatment administered duly signed by the treating doctor is maintained.

FLEXIBLE POLICY PERIOD
Secure your health as per your needs. Buy the plan for 3 different coverage periods: 3.5 months, 6.5 months, and 9.5 months.

AYUSH TREATMENT
Treatments under Ayurveda, Unani, Siddha, Yoga and Homeopathy covered up to sum insured.

Add-on Features
HOSPITAL CASH
Get 0.5% of sum insured as daily cash per day for maximum 15 days in a policy period

Exclusions
PERMANENT

Investigation & Evaluation
Rest Cure, rehabilitation and respite care

Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or Home care treatment.

Any claim in relation to Covid where it has been diagnosed prior to Policy Start Date.

Day Care Treatment & OPD

Diagnosis/Treatment outside the geographical limits of India.

Testing done at a Diagnostic Centre which is not authorized by the Government shall not be recognized under this Policy

All covers under this Policy shall cease if the Insured Person travels to any country placed under travel restrictions by the Government of India.

UNRECOGNIZED PHYSICIAN OR HOSPITAL
a. Treatment or Medical Advice provided by a Medical Practitioner not recognized by the Medical Council of India or by Central Council of Indian Medicine or by the Central council of Homeopathy or by relevant authorities in the area or country where the treatment is taken

b. Treatment or Medical Advice related to one system of medicine provided by a Medical Practitioner of another system of medicine.

c. Treatment provided by anyone with the same residence as an Insured Person or who is a member of the Insured Person's immediate family or relatives

d. Treatment provided by the Hospital or health facility that is not recognized by the relevant authorities in India or any other country where treatment takes place.

e. Treatment or services received in health hydros, nature cure clinics or any establishment that is not a recognized Hospital or healthcare facility

Why do you need Corona Kavach, a specific coronavirus insurance plan?

The coronavirus pandemic has become a bitter reality across the world. We have shut down schools, cinema, workplaces, places of worship; even India's cricket season stands cancelled till further notice! We have embraced masks, sanitizers and adopted the social distancing norms in our daily lives. But these offer passive resistance against the aggressive viral infection which so far has affected more than 10 lakh people in India. The physical, and mental toll of dealing with Covid-19 is something we can't do much about, but for offsetting the financial trauma of the long treatment, there is health insurance for coronavirus treatment.

Max Bupa has paid claims worth Rs 7.8 crores between 1 April and 1 July 2020 to coronavirus patients across India. The highest claim paid was for about Rs 11.2 lakhs. Without comprehensive health insurance coverage, this family was looking at a huge financial burden that would have burnt a big hole in their savings or pushed them in a spiral of debt. A cashless health insurance plan that covers Covid-19 hospitalization allowed the family to tide over the financial burden of this debilitating disease, and will allow them to recover in the relative comfort of their home.

Based on Internal Max Bupa claims data

What makes Max Bupa's Corona Kavach special?

The number of Covid-19 positive patients is rising in India every day 34,956 patients new were added to India's tally on July 17# and the number is only expected to go up. A specific coronavirus health insurance plan like Corona Kavach will not only help you and your family during hospitalization, but will also offer you features like:

Hospitalization Coverage for COVID-19 up to INR 5,00,000 with policy term options to choose from 3.5/6.5/9.5 months.

Coverage of Pre-existing Diseases: Any co-morbid conditions including pre-existing co-morbid conditions will be covered along with COVID-19 up to Sum Insured.

Home Care Treatment Expenses : Coverage for availing treatment at home for COVID-19. Pre and Post Hospitalization expenses covered up to sum insured for 15 & 30 days respectively.

AYUSH Treatments Coverage for inpatient care treatment for COVID-19 under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.

Hassle-free Claims - 30 minute cashless claims processing and in-house claim settlement

A relatively affordable plan, Max Bupa's Corona Kavach health insurance policy can be availed by anyone aged 18 Years up to 65 Years, for self or immediate family. The disease is here to stay and we have to gear up to step out, and go on with our lives in a safe yet regular manner. If you have the security of Corona Kavach around you and your family, you will have one less thing to worry about.

Source: https://indianexpress.com/article/india/coronavirus-india-updates-july-17-maharashtra-delhi-tamil-nadu-telangana-6510355/